U.S. Longshore and Harbor Workers' Compensation Act Insurance Fort Worth

Specialized coverage for Fort Worth's maritime workforce, ensuring compliance and protection for businesses operating along the Trinity River and beyond.
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Custom-tailored policies for Fort Worth specific risks

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Why Us?

Why Choose TWFG Commercial in Fort Worth?

Fort Worth businesses deserve a partner who understands local maritime risks and federal regulations.

• Deep understanding of Fort Worth's unique inland port operations
• Expert knowledge of federal maritime laws and Texas state regulations
• Customized coverage for Fort Worth's diverse maritime workforce

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Local Expertise
With over a decade serving Fort Worth's maritime sector, our local experts understand the nuances of U.S. Longshore and Harbor Workers' Compensation Act (USL&H) requirements. We've protected businesses along the Trinity River and at Alliance Airport since 2010, offering tailored solutions that address Fort Worth's specific maritime challenges.
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Industry Expertise
Our team includes certified maritime insurance specialists who stay current with USL&H amendments and emerging risks. We maintain close relationships with local port authorities and regularly participate in Texas maritime safety conferences, ensuring our clients receive cutting-edge risk management strategies.
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Beyond Basic Coverage

We go beyond standard USL&H coverage by offering comprehensive risk assessments, safety training programs, and claims management services. Our enhanced policies include coverage for unique Fort Worth scenarios, such as inland waterway operations and air cargo handling at Alliance Airport.

Ideal For

Who needs U.S. Longshore and Harbor Workers' Compensation Act Insurance in Fort Worth?

• Inland Port Operators: Businesses managing cargo at Fort Worth's inland port facilities require USL&H coverage for workers involved in loading, unloading, and related activities.
• Shipbuilders and Repairers: Companies engaged in vessel construction or repair along the Trinity River need protection against workplace injuries covered under the USL&H Act.
• Stevedoring Companies: Firms handling cargo at Fort Worth's intermodal facilities must ensure USL&H compliance for their longshoremen and dock workers.
• Maritime Construction Firms: Contractors working on marine infrastructure projects, such as Trinity River improvements, need USL&H coverage for their employees.

Fort Worth's unique position as an inland port city creates specific needs for USL&H insurance. While not a coastal location, Fort Worth's maritime sector is thriving, with the Trinity River and Alliance Airport playing crucial roles. Businesses operating in these areas face distinct challenges, from navigating federal maritime laws to ensuring worker safety in diverse environments. For example, cargo handlers at Alliance Airport's intermodal facility must comply with USL&H regulations, even though they're miles from the coast. Similarly, companies involved in Trinity River development projects need specialized coverage that addresses both maritime and inland risks. Securing comprehensive USL&H insurance is not just about compliance—it's about protecting your workforce and your business's future in Fort Worth's growing maritime economy. Contact our Fort Worth office today for a customized USL&H insurance solution.
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Get Personalised Advice from Fort Worth Insurance Experts

Let our local experts analyze your current coverage and identify potential gaps or savings for your business.

U.S. Longshore and Harbor Workers' Compensation Act Insurance Coverage Details

Comprehensive protection for Fort Worth's maritime workforce, addressing both federal requirements and local industry needs.

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Comprehensive USL&H Coverage Explained

Our Fort Worth USL&H insurance provides robust protection for maritime employees, including:
• Medical Benefits: Full coverage for work-related injuries and illnesses
• Disability Compensation: Payments for temporary or permanent disabilities
• Rehabilitation Services: Support for workers returning to employment
• Death Benefits: Financial protection for families of workers fatally injured on the job

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Industry-Specific Risks in Fort Worth, Texas

Fort Worth's maritime sector faces unique risks requiring specialized coverage:
• Inland Waterway Hazards: Protection for workers on the Trinity River and connected channels
• Intermodal Facility Risks: Coverage for employees at Alliance Airport's cargo handling facilities
• Extreme Weather Exposure: Protection against heat-related illnesses common in Texas summers
• Heavy Machinery Accidents: Coverage for injuries related to specialized port equipment

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Federal and Texas USL&H Requirements

USL&H insurance must comply with federal regulations and Texas state laws:
• Federal Requirements: Coverage must meet or exceed U.S. Department of Labor standards
• Texas Workers' Compensation Commission Guidelines: Adherence to state-specific reporting and claims processing procedures
• Local Port Authority Regulations: Compliance with Fort Worth's inland port operational standards
• Safety Training Mandates: Regular safety training as required by federal maritime safety regulations

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Enhanced Coverage Options for Fort Worth Maritime Businesses

Enhance your USL&H coverage with these critical additions:
• Jones Act Coverage: Protection for seamen working on navigable waters
• Maritime Employers Liability: Additional liability protection beyond USL&H limits
• Terrorism Risk Insurance: Coverage for incidents as defined by the Terrorism Risk Insurance Act
• Stop Gap Coverage: Protection for employers in monopolistic states

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Considerations for Local Businesses in Fort Worth

Fort Worth's maritime sector operates under a unique regulatory environment, blending federal USL&H requirements with Texas state laws. The Texas Department of Insurance requires all maritime employers to maintain USL&H coverage for eligible employees. In 2022, Fort Worth reported a 15% increase in USL&H claims, primarily due to the expansion of inland port operations. The average claim value was $75,000, with back injuries and slip-and-fall accidents being the most common. Fort Worth's maritime workforce grew by 12% since 2020, with the Alliance Airport intermodal facility driving significant expansion. The Trinity River Vision project has increased maritime construction activities, leading to a 20% rise in related USL&H policies. Climate change has impacted local operations, with extreme heat events causing a 30% spike in heat-related claims during summer months.
Expertise

How much does U.S. Longshore and Harbor Workers' Compensation Act Insurance cost in Fort Worth?

USL&H insurance in Fort Worth typically costs between $20 to $25 per $100 of payroll. However, individual premiums can vary based on several factors:

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Nature of Work
Higher-risk activities, such as heavy machinery operation at Alliance Airport, may incur higher premiums compared to administrative roles.
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Payroll Size
Larger payrolls generally lead to higher premiums, though economies of scale may apply for bigger operations.
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Claims History
A history of frequent or severe claims can significantly increase premiums for Fort Worth maritime businesses.
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Safety Measures
Implementing robust safety programs, especially those addressing local risks like heat exposure, can lead to premium discounts.
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Location-Specific Operations

Unique aspects of Fort Worth's inland maritime operations, such as Trinity River activities, may influence pricing based on associated risks.

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Frequently Asked Questions

Quick answers to questions you may have. Can’t find what you’re looking for? Contact us here.

What is the U.S. Longshore and Harbor Workers' Compensation Act (LHWCA) insurance?
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The LHWCA insurance is a federal workers' compensation program designed for maritime employees in Fort Worth and across the U.S. It covers workers engaged in maritime activities on or near navigable waters, including loading/unloading vessels, ship repair, and harbor construction. This specialized insurance provides medical care, disability benefits, and rehabilitation services for work-related injuries or illnesses, offering broader coverage than standard Texas workers' compensation.

Who needs LHWCA insurance in Fort Worth?
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In Fort Worth, businesses operating near the Trinity River or involved in maritime activities need LHWCA insurance. This includes companies working on or adjacent to navigable waters, such as those at the Port of Fort Worth. Specifically, longshoremen, harbor workers, ship repairers, and some construction workers on or near water may require coverage. Even businesses not directly on water might need it if their employees occasionally work in covered areas.

How does LHWCA insurance differ from standard workers' compensation in Fort Worth?
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LHWCA insurance in Fort Worth offers more comprehensive benefits than Texas workers' compensation. It provides higher compensation rates, typically 66.67% of the worker's average weekly wage, compared to Texas' 70% but with a lower cap. LHWCA coverage extends to a broader range of maritime-related injuries and illnesses. Additionally, it allows workers to sue third parties for negligence, which is often restricted under standard Texas workers' comp laws.

What are the penalties for not having LHWCA insurance in Fort Worth?
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Failing to carry LHWCA insurance in Fort Worth can result in severe penalties. Employers may face fines of up to $10,000 per day of noncompliance or imprisonment for up to one year. They might also be liable for a 10% additional compensation to injured workers. In Texas, where workers' comp is generally optional, LHWCA remains mandatory for eligible maritime employers. The Department of Labor's Office of Workers' Compensation Programs enforces these regulations strictly.

How do I obtain LHWCA insurance for my Fort Worth business?
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To obtain LHWCA insurance in Fort Worth, contact specialized maritime insurance providers or brokers familiar with Texas maritime laws. They can assess your business operations and determine coverage needs. You'll need to provide details about your workforce, payroll, and specific maritime activities. Some large commercial insurers offer LHWCA coverage, but for Fort Worth businesses, local providers with expertise in Texas maritime operations may offer more tailored solutions.

Can Fort Worth businesses have both LHWCA and Texas workers' compensation insurance?
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Yes, Fort Worth businesses can and often should have both LHWCA and Texas workers' compensation insurance. This dual coverage is common for companies with diverse workforces, where some employees qualify for LHWCA while others fall under state jurisdiction. Having both ensures comprehensive protection for all workers. However, it's crucial to work with an experienced Fort Worth insurance agent to properly classify employees and avoid overlapping coverage or gaps in protection.

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For over a decade, TWFG Khan Insurance Services has been the trusted partner for businesses across Texas and neighboring states. We specialize in complex insurance solutions for maritime, oil & gas, and construction industries where standard coverage isn't enough.

Don't let gaps in coverage put your business at risk. Our team of specialists will work with you to create a comprehensive protection plan that keeps your business secure and compliant.



Join the hundreds of businesses who trust us with their most critical insurance needs.

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